What is the ruling on purchasing a car from an Islamic bank that requires salary transfer, a 20% self-financing contribution, a fee for file processing, compulsory insurance, prohibits selling the car despite its ownership, stipulates insurance through an affiliated institution, and refuses to allow the buyer to review the contract terms in advance?

In general, Murabaha to the one who promises to purchase is permissible if it adheres to Sharia guidelines. It is not permissible for the one who promises to purchase to pay part of the price as a down payment to the company if this is based on the premise that the sales contract between him and the bank becomes binding before the bank actually owns the car. As for the bank requesting insurance on the debt, if it is through the bank itself or its branches, then it falls under the category of stipulating one contract within another, which is not permissible. However, if the insurance is provided by an independent company, it is permissible in principle, but attention must be paid to the type of insurance; if it is commercial insurance, then it is not permissible. As for mortgaging the sold item for its price, there is no objection to it.